BOP The Bank of Punjab
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 28.78 -0.10%
Financials
The Bank of Punjab (BOP) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
The Bank of Punjab (BOP) reported total income of Rs 99.7 bn for FY2025 (Jan – Dec 2025), up 43.7% from FY2024.
Profit attributable to shareholders was Rs 15.4 bn (EPS Rs 4.71), up 17.6%.
It declared a dividend of Rs 2.50 per share for FY2025 and has paid a dividend in each of the last 3 years.
Deposits stood at Rs 2.05 tn and net advances at Rs 882.8 bn, an advances-to-deposits ratio of 43.0%.
Return on equity was 15.9%.
Over the last five years total income grew at a compound 22.7% a year.
At Rs 28.78 (close on 16 Oct 2026) the shares trade at 5.2× earnings (TTM to Jun 2026) and 0.91× book value, with a dividend yield of 8.7%.
Fundamentals
BOP at a glance
Total income · FY2025
Rs 99.7 bn
▲ 43.7% year on year
Profit attributable to shareholders · FY2025
Rs 15.4 bn
▲ 17.6% year on year
EPS – basic (Rs) · FY2025
Rs 4.71
▲ 17.6% year on year
Dividend per share (Rs) · FY2025
Rs 2.50
▲ 38.9% year on year
Deposits · FY2025
Rs 2.05 tn
▲ 20.0% year on year
Return on equity (ROE) · FY2025
15.9%
+0.6 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 99.7 bn
- Profit attributable · FY2025
- Rs 15.4 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 2.95 tn
- Equity · FY2025
- Rs 102.2 bn
Financial highlights
BOP financial results
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 * Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 81.5 | 44.6 | 41.6 | 31.6 | 30.4 | 23.6 | 27.0 | 20.2 | 15.7 | 12.3 |
| Total non-interest income | 18.2 | 24.8 | 12.7 | 9.3 | 7.2 | 12.4 | 3.6 | 3.4 | 4.2 | 3.5 |
| Total income | 99.7 | 69.4 | 54.3 | 40.9 | 37.6 | 35.9 | 30.6 | 23.6 | 19.9 | 15.8 |
| Operating expenses | (65.0) | (46.1) | (36.5) | (21.4) | (19.0) | (23.8) | (16.2) | (11.1) | (24.5) | (7.6) |
| Provisions & impairment (loans) | 5.0 | (4.1) | (1.5) | (5.0) | (1.8) | 6.1 | 1.6 | (2.1) | 14.1 | 0.9 |
| Profit before tax | 35.4 | 24.4 | 21.1 | 18.4 | 18.4 | 11.9 | 14.1 | 12.3 | (4.7) | 8.1 |
| Profit attributable to shareholders | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | (3.4) | 4.9 |
| EPS – basic (Rs) Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 |
| Dividend per share (Rs) Rs | 2.50 | 1.80 | 1.00 | 0.00 | 0.00 | 0.81 | 0.61 | 0.61 | 0.00 | 0.00 |
| Advances (net) | 882.8 | 778.8 | 789.4 | 559.3 | 469.3 | 378.2 | 353.3 | 350.5 | 280.5 | 273.5 |
| Deposits | 2,050.9 | 1,709.6 | 1,520.8 | 1,227.3 | 1,002.9 | 835.1 | 691.0 | 595.6 | 556.2 | 453.2 |
| Total assets | 2,950.7 | 2,379.1 | 2,216.2 | 1,482.0 | 1,197.3 | 1,095.8 | 869.7 | 714.7 | 657.9 | 547.7 |
| Equity attributable to shareholders | 102.2 | 91.2 | 79.8 | 64.3 | 54.3 | 51.9 | 46.4 | 37.5 | 29.6 | 27.8 |
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 91.7 | 24.0 | 22.2 | 22.8 | 22.7 | 20.8 | 15.2 | 15.0 | 13.4 |
| Total non-interest income | 19.3 | 4.2 | 5.1 | 5.3 | 4.8 | 4.3 | 3.9 | 10.6 | 5.6 |
| Total income | 111.0 | 28.2 | 27.3 | 28.0 | 27.5 | 25.1 | 19.1 | 25.6 | 19.0 |
| Operating expenses | (71.6) | (18.0) | (17.4) | (19.5) | (16.6) | (14.4) | (14.5) | (15.3) | (12.3) |
| Provisions & impairment (loans) | 5.2 | 0.2 | (0.3) | 3.4 | 1.9 | (0.6) | 0.3 | (0.8) | (0.1) |
| Profit before tax | 40.8 | 10.1 | 10.2 | 9.3 | 11.2 | 10.9 | 4.0 | 10.3 | 7.1 |
| Profit attributable to shareholders | 18.3 | 4.7 | 4.7 | 3.9 | 5.0 | 4.8 | 1.7 | 5.3 | 3.5 |
| EPS – basic (Rs) Rs | 5.59 | 1.43 | 1.43 | 1.19 | 1.54 | 1.45 | 0.53 | 1.63 | 1.07 |
| Dividend per share (Rs) Rs | 3.10 | 1.60 | 0.00 | 1.50 | 0.00 | 1.00 | 0.00 | 1.80 | 0.00 |
| Advances (net) | 952.9 | 952.9 | 860.2 | 882.8 | 766.1 | 710.4 | 752.4 | 778.8 | 610.0 |
| Deposits | 2,153.5 | 2,153.5 | 1,931.6 | 2,050.9 | 1,884.9 | 1,946.0 | 1,717.8 | 1,709.6 | 1,573.0 |
| Total assets | 2,503.1 | 2,503.1 | 2,598.3 | 2,950.7 | 2,535.4 | 2,441.2 | 2,334.0 | 2,379.1 | 2,135.5 |
| Equity attributable to shareholders | 103.0 | 103.0 | 95.4 | 102.2 | 96.4 | 94.5 | 86.0 | 91.2 | 82.2 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 16 Oct 2026.